Mercerville, NJ
Mercerville, NJ's wildfire risk, in USFS's own numbers
Mercerville sits at the 50th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 5,391 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Mercerville at the 52nd percentile, close to its 50th-percentile risk score.
Mercerville's building exposure, zone by zone
Most of Mercerville's buildings (88.3% of 5,391) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure. At 5,391 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Mercerville against the rest of the country
There's little gap between Mercerville's 50th national percentile and its 57th percentile inside New Jersey, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Mercerville ranks 15,665 for wildfire risk (1 is highest) and 3,202 by building count (1 is largest). Within New Jersey alone, it ranks 301 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Shopping for coverage in Mercerville
Mercerville's elevated rating (50th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Mercerville's 88.3% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Mercerville's 15,665-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Mercerville, see the exposure-zones guide.